What are rotating categories?

Credit card companies often generate a schedule for earning rewards with specific types of spending. This is usually changed quarterly, hence the name “rotating categories.” You may also find a card, such as the Citi Strata card, that lets you choose from a list of categories to earn elevated rewards.

How can I maximize my credit card rewards?

The best way to maximize your credit card rewards is to get cards that offer the most points for the type of spending you do. People who spend lots of money on dining are excellent candidates for the Amex Gold card, for example.

What is the best credit card rewards program?

Generally, the most valuable credit card rewards programs have transferable currencies. These are Chase Ultimate Rewards, American Express Membership Rewards, Citi ThankYou Points, Capital One Miles, and Marriott Bonvoy.

Which credit card gives more reward points?

The best credit cards depend on what you spend your money on. Take a look at the cards presented in this guide to figure out which credit card gives the most rewards points for your situation.

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Credit Cards

Best Credit Cards for Each Bonus Category [Dining, Airfare, Hotels, and More]

Updated: August 17, 2026, 2:20pm CDT

Edited by:

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Table of Contents

Bonus Categories: Straightforward or Not?
The 11 Best Cards Across All Bonus Categories: Summary
The 3 Best Cards for Dining
The 3 Best Cards for Supermarkets
The 3 Best Cards for Airfare
The 5 Best Cards for Hotels
The 3 Best Cards for Vacation Rentals
The 2 Best Cards for General Travel Purchases
The 5 Best Cards for Gas Purchases
The 2 Best Cards for Cellular Phone, Internet, Cable, and Other Telecommunications
The 2 Best Cards for Entertainment
The 3 Best Cards for Streaming Services
The 3 Best Cards for Gym Memberships
The 2 Best Cards for Office Supplies
The 3 Best Cards for Rotating Categories
The 5 Best Cards for Miscellaneous Spending
Final Thoughts

We may be compensated when you click on a link, when an application is approved, or when an account is opened from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Trying to earn a respectable balance of points with credit card spending is highly analytical. Aside from getting one of the best credit card bonuses, optimizing your usage of credit cards is, unsurprisingly, the most reliable way to earn rewards on everyday spending.

Analyzing your types of spending and the amounts associated with each category are instrumental in crafting a strong strategy. The main thing you need to remember is that you should be using credit cards that earn the highest return on spending in each of the major bonus categories.

You can do this without increasing the amount you spend. Spending smarter doesn’t mean spending more of your hard-earned money.

Bonus Categories: Straightforward or Not?

Each credit card has its own unique rewards structure. Different credit cards earn different percentages, and many even earn miles as opposed to cash-back.

For those who are looking to optimize their travel (hence probably why you’re here), keeping track of all of the credit cards out there can be totally overwhelming. If you are expecting 3% cash-back on groceries, for example, your exact purchase might not earn the bonus points, as payment categories are actually a complicated matter. Depending on how the merchant codes to the payment processing companies, you might expect to earn more points, only to be disappointed.

One example is Costco. Many people think of Costco as a grocery store, but it’s actually coded as a warehouse, which would make Costco purchases ineligible for earning bonus points in the grocery category.

The only way to truly find out if you’d earn bonus points on a purchase for sure is to try it out and look at your earnings by logging in to your online credit card accounts.

Without further ado, let’s take a gander at the top credit cards in each bonus category.

The 11 Best Cards Across All Bonus Categories: Summary

The 3 Best Cards for Dining

First, let’s start with dining purchases. Eating out makes up a huge portion of people’s budgets, especially millennials. Dining can also be a large portion of your business expenses, so it’s imperative to get the most points you can when spending on dining.

American Express^® Gold Card: 4x Points

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome OfferYou may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:
Up to   $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

5x points per dollar on prepaid hotels via AmexTravel.com or the Amex Travel App
4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter

Cons

$325 annual fee (rates and fees)
No lounge access

Read Full Review

Card Highlights

You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards^® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards^® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards^® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
Pay It^® lets you tap in the American Express^® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It^® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express^® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express^® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star^® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com and receive a $100* credit towards eligible charges at over 1,300 upscale hotels worldwide.§ *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express^® service and support. Only for American Express^® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Our top choice for dining purchases is the Amex Gold Card. You can earn 4x points on restaurants with this card. Keep in mind that the 4x is capped at $50,000 in purchases per year (then 1x), but that’s still a lot of point-earning potential!

According to our travel points and miles valuations, 1 American Express Membership Rewards point is worth 2.2 cents, which is the highest return out there. This means your return would be approximately around 8.8 cents per $1 spent.

Amex Membership Rewards points are insanely valuable and are one of the single most valuable transferable currencies out there. With a slew of Amex transfer partners, there’s no end to the ways you can redeem your Membership Rewards points.

Hot Tip: How about getting up to $120 in dining credits after enrollment? Check out tons of other benefits of the Amex Gold card!

Chase Sapphire Reserve^®: 3x Points

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome OfferEarn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
100,000 points

UP's Offer Valuation*:
$2,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

8x points on all Chase Travel purchases
5x points on Lyft rides
4x points on flights and hotels booked directly

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC

Financial Snapshot

APR: 19.49% - 27.99% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Our second recommended pick for dining is the Chase Sapphire Reserve card. This card earns 3x points on dining at restaurants. According to our valuations, they can be worth around 2 cents per point for a total return on spending of around 6 cents per $1.

Plus, cardholders can take advantage of the Exclusive Tables program, where they get exclusive access to reservation times at top U.S. restaurants, and up to $300 back in statement credits annually when dining at restaurants in the program.

Importantly, the Chase Sapphire Reserve card earns Chase Ultimate Rewards points, which transfer to Chase airline and hotel partners. The card offers access to 1,300 airport lounges via the Priority Pass membership, which is a big perk. Also, the card offers $300 as a travel credit that can be used for virtually any sort of travel, whether it’s for airline tickets, cruises, or hotel stays.

Hot Tip: There are a ton of benefits with the Chase Sapphire Reserve card, so make sure you know how to make the most of this card.

Citi Strata Elite℠ Card: Up to 6x Points

Terms Apply / Rates & Fees

Citi Strata Elite℠ Card

U.P. Rating

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Apply Now(at our partner's secure site)

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome OfferEarn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
75,000 Points

UP's Offer Valuation*:
Up to   $1,200

Annual Fee

$595

APR

20.49% to 28.49% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

12x points on hotels, rental cars, and attractions booked through Citi Travel
6x points on airfare through Citi Travel
6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

$595 annual fee
Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees

Financial Snapshot

APR: 20.49% to 28.49% Variable
Foreign Transaction Fees: None

The Citi Strata Elite℠ Card earns 6 points per $1 spent at restaurants during Citi Nights — running from 6 p.m. to 6 a.m. Eastern time on Friday and Saturday nights. Outside these hours, cardholders earn 3x points at restaurants.

Cardholders also earn 12x points on Citi Travel bookings for hotels, car rentals, and attractions, plus 6x points on airfare booked through Citi Travel. All other purchases earn 1.5x points.

The 3 Best Cards for Supermarkets

Although the customer trend of grocery shopping is decreasing year after year thanks to e-commerce and people eating out more, supermarket spending still represents a big chunk of consumer spending.

Amex Gold Card: 4x Points

The Amex Gold card earns big on groceries at 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1x).

Also, it earns 4x Membership Rewards points at restaurants worldwide (on up to $50,000 a year, then 1x). It’s the clear winner for the best dining credit card, and it is way up there for groceries, too.

Earning 4x points is equivalent to an 8.4% return on spending, which is stellar.

Citi Strata Premier^® Card: 3x Points

Terms Apply / Rates & Fees

Citi Strata Premier^® Card

U.P. Rating

Apply Now(at our partner's secure site)

Citi Strata Premier^® Card

Welcome OfferEarn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
60,000 Points

UP's Offer Valuation*:
$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier^® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

10x points on hotels, car rentals, and attractions booked through CitiTravel.com
3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
$100 annual hotel benefit

Cons

$95 annual fee

Read Full Review

Card Highlights

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Financial Snapshot

APR: 19.49% to 27.49% Variable
Foreign Transaction Fees: None

The final pick for supermarket spending is the Citi Strata Premier card. This card earns 3 points per $1 spent at supermarkets. This earns a 4.8% return on spending, according to our valuations.

Additionally, you can earn 3x points at restaurants, gas stations, EV charging stations, air travel, and hotels. Because this card has lots of bonus categories, it is one of the best credit cards to earn points for ordinary spending.

You can read up on all the benefits to get a better idea of whether or not this card is a good fit for you.

Blue Cash Preferred^® Card from American Express: 6% Cash-Back

SPECIAL OFFER

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome OfferYou may be eligible for as high as $300 cash back after spending $3,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
As High As $300 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:
As High As $300

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

19.49%-28.49% Variable,0% on purchases for 12 months

Credit Recommended

Good to Excellent

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

6% cash-back at U.S. supermarkets (up to $6,000 per year)
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

$0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

Apply and find out your welcome offer. As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $3,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
$0 intro annual fee for the first year, then $95.
Enjoy 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred^® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Financial Snapshot

APR: 19.49%-28.49% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

While earning transferable points is preferable to many folks, sometimes it’s hard to beat good old cash-back, and the Amex Blue Cash Preferred card delivers, earning 6% cash-back at U.S. supermarkets on up to $6,000 in purchases yearly (then 1%).

Additionally, this card earns 6% cash-back on some U.S. streaming subscriptions, 3% cash-back at U.S. gas stations, and 3% cash-back on transit purchases.

The 3 Best Cards for Airfare

When you’re booking airfare, it’s important to understand the different credit cards in detail. Some credit cards only earn bonus points when you’re booking airfare in a specific way, so be sure to keep track of that when deciding which credit cards to open and use.

Platinum Card^® from American Express: 5x Points

BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum card reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and elite status.

Welcome OfferYou may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
As High as 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:
Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, the Platinum Card^® from American Express is a top choice.

The card offers premium perks like best-in-class airport lounge access, hotel elite status, and several annual card credits. The Amex Platinum card is easily worth the annual fee for frequent travelers who use the lounges and travel credits, and hard to justify for those who won’t.

Pros & Cons

Pros

The best airport lounge access out of any card (by far): Get access to over 1,550 worldwide lounges, including Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
5 points per $1 spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5 points per $1 spent on prepaid hotels booked with AmexTravel.com

Cons

$895 annual fee (rates & fees)
Airline credit does not cover airfare (only incidentals like checked bags).

Read Full Review

Card Highlights

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card^® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card^® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4pm late check-out.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card^®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Our top pick for airfare purchases is the Amex Platinum card. With some of the best earning structures in the business, you can earn 5 Membership Rewards points per $1 on airfare booked directly with the airline or with AmexTravel.com.

Airfare purchased through online travel agencies (i.e. Expedia, Orbitz, etc.) does not earn you the bonus points.

Earning 5 points per $1 is a phenomenal way to get tons of value on airfare. According to our valuations, your 5 Amex points per $1 is equivalent to an approximate return of 11 cents per $1!

Additionally, you get perks including up to $200 in annual airline fee credit, up to $600 in prepaid hotel booking credit (up to $300 semiannually), up to $200 in Uber Cash ($15 monthly and $35 in December) up to $300 in annual digital entertainment credit, up to $219 in CLEAR+ credit, up to $300 in Equinox credit, and up to in $155 Walmart+ credit — though you should note some benefits require enrollment.

The card also includes travel insurance, hotel and rental car elite status, access to over 1,550 lounges in the Amex Global Lounge Collection, and more.

Hot Tip: Explore all of the benefits you get with the Amex Platinum card, which we value at over $5,300.

Chase Sapphire Reserve Card: 4x Points

The Chase Sapphire Reserve card earns 4x points for flights booked directly. According to our valuations, your 4x points are worth around 8 cents per $1, which is a great return on your spending.

There are so many other benefits of the Chase Sapphire Reserve card, including up to $300 for a travel credit, Priority Pass membership, and up to $120 in application fee credit for Global Entry, NEXUS, or TSA PreCheck.

Citi Strata Premier Card: 3x Points

The Citi Strata Premier card earns unlimited 3x ThankYou Points on airfare purchased directly with airlines. It also earns 10x points on hotels, car rentals, and attractions booked through Citi Travel, 3x on hotels booked directly, and 3x at restaurants, supermarkets, gas, and EV charging.

The 5 Best Cards for Hotels

Hotels are probably the single biggest portion of a vacation budget, so it’s imperative to optimize that expense as much as possible. There are many hotel rewards cards out there, and much of your decision depends on your travel needs and predisposition toward a particular brand.

However, some clear winners allow you to maximize your return on hotel spending.

The Business Platinum Card^® from American Express: 5x Points

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferAs High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. 
As High As 300,000 Points. Find Out Your Offer. 

UP's Offer Valuation*:
Up to   $6,600

Annual Fee

$895

APR

17.74% - 28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

Pros & Cons

Pros

Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

High annual fee of $895 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
Terms Apply.

Financial Snapshot

APR: 17.74% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

The Amex Business Platinum card earns 5 Membership Rewards points per $1 on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com. These points are each worth approximately 2.2 cents, which makes an earning of 5 points per $1 equal to a return of about 11 cents per $1.

Plus, cardholders receive up to $600 in hotel credits a year (up to $300 semiannually) on prepaid bookings with Fine Hotels + Resorts (1-night minimum stay) or The Hotel Collection (2-night minimum stay) made via AmexTravel.com and up to $200 in statement credits annually for eligible Hilton purchases (up to $50 quarterly; enrollment required).

The Amex Business Platinum also earns 2x points (on up to $2 million in purchases per calendar year) on each eligible purchase of $5,000 or more and on eligible U.S. purchases in these select business categories:

Construction material and hardware suppliers
Electronic goods retailers and software & cloud system providers
Shipping providers

Seeing as how hotel bookings are a huge percentage of travel costs, earning those points can add up quickly. Additionally, this card grants you access to the Fine Hotels + Resorts and The Hotel Collection, among other benefits.

Hot Tip: Check out what else this card has to offer by reading up on the many benefits of the Amex Business Platinum card.

The World of Hyatt Credit Card: Up to 9x Points

Terms Apply / Rates & Fees

The World of Hyatt Credit Card

U.P. Rating

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Apply Now(at Chase's secure site)

The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Welcome OfferEarn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points

UP's Offer Valuation*:
$840

Annual Fee

$95

APR

19.24% - 27.74% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons

Pros

Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
1x point per $1 on all other purchases

Cons

$95 annual fee

Read Full Review

Card Highlights

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Financial Snapshot

APR: 19.24% - 27.74% Variable
Foreign Transaction Fees: None

Rewards Center

World of Hyatt

The World of Hyatt card offers a marvelous way to earn World of Hyatt points with up to 9 points per $1 spent at Hyatt properties. You can also earn 2x points for restaurant, airline tickets purchases directly from airlines, local transit, and fitness and gym memberships with this card.

World of Hyatt points are the most valuable hotel currency, according to our points and miles valuations, so you definitely don’t want to miss out on such an attractive earning rate. Each Hyatt point is equal to 1.5 cents, so those 4 points per $1 spent at Hyatt properties are worth around 6 cents.

Also, you receive an annual bonus of 1 free night at any Category 1-4 property, and this free night certificate can be worth upward of $200!

Given that World of Hyatt points are incredibly valuable, this card offers a way to earn points that you can redeem for maximum value.

Hilton Honors American Express Aspire Card: 14x Points

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Welcome OfferEarn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
150,000 points

UP's Offer Valuation*:
Up to   $750

Annual Fee

$550

APR

19.49%-28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons

Pros

14x points per $1 on Hilton purchases
7x points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals booked directly with select car rental companies, and at U.S. restaurants
3x points per $1 on all other eligible purchases

Cons

High annual fee of $550 (rates & fees)

Read Full Review

Card Highlights

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
Earn 14X Hilton Honors Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
Card Members can earn 7X Points on purchases of flights booked directly with airlines or flights booked through American Express Travel, car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline, through AmexTravel.com, or through the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
CLEAR+ helps get you to your gate faster at 55+ airports nationwide. Receive up to $219 per calendar year in statement credits when you pay for your membership (subject to auto-renewal) with the Hilton Honors Aspire Card.
Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year.
$100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria^® Hotels & Resorts and Conrad^® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental^® Emerald Club Executive^® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
Whenever you travel more than 100 miles from home, Premium Global Assist^® Hotline is available for 24/7 emergency assistance and coordination services, including medical, legal, and financial referrals. Emergency medical transportation assistance may be provided at no cost only if approved and coordinated by Premium Global Assist Hotline. Card Members may be responsible for the costs charged by third-party service providers.
$550 annual fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: 19.49%-28.49% Variable
Foreign Transaction Fees: None

The Hilton Aspire card is a top hotel card as it earns 14 Hilton Honors points per $1 spent at Hilton properties and confers complimentary Hilton Honors™ Diamond status (offering free breakfast, executive lounge access, and suite upgrades, among other perks).

The first point is huge, and in fact, there’s no other credit card that offers anywhere near as many Hilton Honors points. Although Hilton Honors points aren’t as valuable as World of Hyatt points, your 14x points still equate to a return on spend of around 7%.

Marriott Bonvoy Business^® American Express^® Card: 6x Points

Terms Apply / Rates & Fees

Marriott Bonvoy Business^® American Express^® Card

U.P. Rating

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Apply Now(at Amex's secure site)

Marriott Bonvoy Business^® American Express^® Card

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Welcome OfferEarn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
Up to 125,000 points

UP's Offer Valuation*:
Up to   $875

Annual Fee

$125

APR

19.49% - 28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business^® American Express^® Card. The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Marriott Bonvoy^® Gold Elite status, and multiple point redemption options.

Pros & Cons

Pros

6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points per $1 on all other purchases

Cons

Moderate annual fee of $125 (rates and fees)
No premium perks like airport lounge access

Read Full Review

Card Highlights

Earn 75,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy^® member & a Marriott Bonvoy Business^® American Express^® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
6x points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy^® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy^® Gold Elite Status with your Marriott Bonvoy Business^® American Express^® Card.
Terms apply.

Financial Snapshot

APR: 19.49% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Business card earns 6x points at participating Marriott Bonvoy hotels. Marriott Bonvoy points are worth around 0.7 cents per point, so your hotel spending would amount to a 4.2% return on spending.

When you consider the fact that you can redeem Marriott Bonvoy points for flights, even Emirates business class, you can imagine how you can drastically increase your return on spending.

You receive 1 free night award every year after your card account anniversary. You also earn an additional free night after you spend $60,000 on your card in a calendar year.

Awards can be used for 1 night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees. There are countless ways to redeem Marriott Bonvoy points, so check out our best ways to redeem Marriott Bonvoy points for hotels.

Citi Strata Premier Card: 3x Points

The last credit card for hotels we’ll discuss is the Citi Strata Premier card, which earns 3x points on all hotel travel. Citi ThankYou Points are worth approximately 1.6 cents per point, which means that your effective earnings are around 4.8 cents per $1 spent on travel.

Also, you can earn 3x points on restaurants, gas stations, air travel, and supermarkets. There are lots of excellent ways to redeem ThankYou Points, most of which involve transfering ThankYou Points to Citi’s airline and hotel transfer partners.

Citi points are worth 1 cent each when redeemed toward airfare booked through the ThankYou Travel Center.

The 3 Best Cards for Vacation Rentals

Chase Sapphire Preferred Card: 3x Points

BEST FIRST TRAVEL CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points

UP's Offer Valuation*:
$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

5x points on all travel booked via the Chase Travel portal
3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
2x points on all other travel worldwide

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
Transfer points to leading airline and hotel loyalty programs
Member FDIC

Financial Snapshot

APR: 19.24% - 27.49% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

As of June 15, 2026, the Chase Sapphire Preferred card gained a 3x earning rate on vacation rentals. This applies to Airbnb, Vrbo, and similar platforms worldwide. This amounts to a 6% return on spending.

One Key+™ Card: 5% Earnings

One Key+™

U.P. Rating

Extra perks and OneKeyCash on Expedia, Hotels.com, and Vrbo.

One Key+™

Extra perks and OneKeyCash on Expedia, Hotels.com, and Vrbo.

Welcome OfferEarn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months.
$350

Annual Fee

$99

APR

18.49%, 23.49%, or 28.49% variable

Why We Like This Card

The One Key+™ Card has a $99 annual fee but tangible benefits make up for the cost. Cardholders will receive $100 in OneKeyCash every anniversary and access to a Global Entry or TSA PreCheck credit every 4 years.

With automatic Gold elite status (and a pathway to Platinum), cardholders can get some unique travel perks when booking through Expedia, Hotels.com, and Vrbo. The card offers bonus OneKeyCash for spending at any of those travel brands, as well as gas, groceries, and dining.

Pros & Cons

Pros

Up to 9% in OneKeyCash on Expedia and
Hotels.com
5% in OneKeyCash on U.S. Vrbo bookings
3% in OneKeyCash on groceries, gas, and dining

Cons

OneKeyCash can only be used on Expedia, Hotels.com, and Vrbo and can’t transferred to airline and hotel loyalty programs
$99 annual fee

Read Full Review

Card Highlights

Earn $350 in OneKeyCash after you spend $3,000 on purchases in the first 3 months. OneKeyCash is not redeemable for cash and can only be used on Expedia®, Hotels.com® and Vrbo®. To learn more, please refer to the One Key Terms and Conditions at www.expedia.com/one-key-terms.
Earn 3% in OneKeyCash on Expedia, Hotels.com, and Vrbo, 3% in OneKeyCash at gas stations, grocery stores, and on dining and 2% in OneKeyCash on other purchases.
$99 annual fee.
Get Automatic Gold tier in the One Key rewards program with savings of 20% or more with Gold Member Prices on over 10,000 hotels worldwide. Unlock Platinum when you spend $30,000 per calendar year.
Get $100 in OneKeyCash each year upon your cardholder anniversary.
Receive one statement credit up to $120 for Global Entry® or TSA PreCheck®.
No foreign transaction fees.

Financial Snapshot

APR: 18.49%, 23.49%, or 28.49% variable
Foreign Transaction Fees:

The One Key+ card earns 5% back as OneKeyCash on Vrbo bookings. One Key is the shared rewards program of Expedia, Hotels.com, and Vrbo, and the card also earns up to 9% back in OneKeyCash on 9% in OneKeyCash on Expedia and Hotels.com reservations.

Wells Fargo Autograph℠ Card: 3x Points

Wells Fargo Autograph℠ Card

U.P. Rating

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome OfferEarn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
20,000 points

Annual Fee

APR

0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
1x points per $1 spent on other purchases
No annual fee

Cons

Doesn’t offer many travel protections

Read Full Review

Card Highlights

Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
$0 annual fee.
0% intro APR for 12 months from account opening on purchases. 18.49%, 24.49% or 28.49% variable APR thereafter.
Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

APR: 0% intro APR for 12 months from account opening on purchases, 18.49%, 24.49% or 28.49% variable APR thereafter
Foreign Transaction Fees: None

The Wells Fargo Autograph card earns 3x points on restaurants, gas stations, transit, streaming, phone plans, and travel — which includes vacation rentals. Since we value these points at 1.5 cents each, this amounts to a 4.5% return on vacation rental expenses.

The 2 Best Cards for General Travel Purchases

What if you have travel spending outside of ordinary airfare or hotels? Some of these include car rentals, travel agencies, cruises, parking, and taxis.

Chase’s defines this category this way: “Merchants in the travel category include airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds and operators of passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, and parking lots and garages.”

Different banks allow different merchants to count as travel, so consult each individual card’s terms and conditions to get adequate clarity on this.

Ink Business Preferred^® Credit Card: 3x Points

NEW OFFER

Terms Apply / Rates & Fees

Ink Business Preferred^® Credit Card

U.P. Rating

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Apply Now(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome OfferEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
100,000 points

UP's Offer Valuation*:
$2,000

Annual Fee

$95

APR

17.74% - 26.74% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection

Cons

No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Earn 5x total points on Lyft rides through 9/30/27.
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Go further when you book with Chase Travel℠. Enjoy competitive rates, seamless booking and premium benefits.
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Receive complimentary access to DashPass by DoorDash.
Member FDIC

Financial Snapshot

APR: 17.74% - 26.74% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is one of the best travel and business credit cards in the industry. With amazing travel earnings, excellent travel protection, and even cell phone protection, this card is a no-brainer.

You earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

Travel
Internet, cable, and phone services
Advertising purchases with search engines and social media sites
Shipping purchases

This means you could earn up to 450,000 points on travel every year. Earning 3 points per $1 is approximately equal to a return of 6 cents per $1 spent.

You get trip cancellation and interruption protection, trip delay insurance, purchase protection, primary automobile rental collision damage waiver when renting for business purposes, delayed and lost luggage protection, and cell phone protection.

Bottom Line: The Ink Business Preferred card is the best overall business credit card for travel. The ongoing spending categories and travel benefits make this card a must-have in your wallet.

Chase Sapphire Reserve Card: 8x Points via Chase Travel

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome OfferEarn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
100,000 points

UP's Offer Valuation*:
$2,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

8x points on all Chase Travel purchases
5x points on Lyft rides
4x points on flights and hotels booked directly

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
Member FDIC

Financial Snapshot

APR: 19.49% - 27.99% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is a great consumer card for travel. It earns 8 points per $1 spent on travel through Chase Travel. The 8 points per $1 earned are worth around 16 cents per $1 when you factor in our valuations.

Also, you get great travel protection when you spend with this card, including trip cancellation and interruption insurance, trip delay insurance, purchase protection, primary automobile rental collision damage waiver, and lost luggage protection.

The Chase Sapphire Reserve card’s travel benefits match up closely with the Ink Business Preferred card, except for cell phone protection.

The 5 Best Cards for Gas Purchases

Spending on gas can be a significant expense, especially if you drive a lot. If you don’t have a special loyalty to a certain brand of gas stations, you can stand to save a large sum of money when filling up at the pump.

Chase Sapphire Preferred Card: 3x Points

The Chase Sapphire Preferred card earns 3x points on gas and EV charging transactions, with no annual caps or geographic restrictions. This represents a 6% return on spending.

Costco Anywhere Visa^® Card by Citi

U.P. Rating

All information about Costco Anywhere Visa^® Card by Citi has been collected independently by Upgraded Points.

Costco Anywhere Visa^® Card by Citi

Welcome Offer
None

Annual Fee

APR

18.74% to 26.74% Variable

Why We Like This Card

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Highlights

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
5% cash back on gas at Costco and 4% cash back on other eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Financial Snapshot

APR: 18.74% to 26.74% Variable
Foreign Transaction Fees: None

The Costco Anywhere Visa^® Card by Citi has a $0 annual fee but requires the cardholder to have a paid annual Costco membership, which starts at $65.

Cardholders earn 5% cash-back on gas at Costco and 4% back on gas and EV charging elsewhere — up to $7,000 of annual spending, then 1% back. Cardholders also earn 3% back on restaurants, eligible travel purchases (including Costco Travel), 2% at Costco in a Costco warehouse and online, and 1% on other purchases.

Citi Strata Premier Card: 3x Points

The Citi Strata Premier card earns 3x Citi ThankYou Points on gas, equal to a return of around 4.8 to 5 cents per $1.

You also earn 3x points at restaurants, on air travel, and on hotels.

Amex Blue Cash Preferred Card: 3% Cash-Back

The Amex Blue Cash Preferred card earns 3% cash-back at U.S. gas stations. Cash-back is earned as Reward Dollars and can’t be converted into American Express Membership Rewards.

Alternatively, there’s a version of this card without an annual fee, the Blue Cash Everyday^® Card from American Express, which also earns 3% cash-back at U.S. gas stations on up to $6,000 per year (then 1%).

Ink Business Cash^® Credit Card: 2% Cash-Back

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Cash^® Credit Card

U.P. Rating

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Apply Now(at Chase's secure site)

Ink Business Cash^® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Welcome OfferEarn $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening.
$750 $1,000

UP's Offer Valuation*:
$1,000

Annual Fee

APR

0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.

Credit Recommended

Good to Excellent

Why We Like This Card

The Ink Business Cash^® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter. , you could be adding big value back into your business for no cost out of pocket.

Pros & Cons

Pros

Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
Earn 2% back on up to $25,000 spent in combined purchases on dining and gas, and 1% back on all other purchases
Travel insurance and purchase protection

Cons

Spending caps in bonus categories
Low points earning outside of bonus categories

Read Full Review

Card Highlights

Earn ~~$750~~ $1,000 when you spend $8,000 on purchases in the first four months after account opening
Earn 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
Earn 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
Earn 1% cash back on all other purchases with no limit to the amount you can earn.
Earn 5% total cash back on Lyft rides through 9/30/27.
As a Chase cardmember, you’ll be automatically checked for a credit line increase at least every 6 months.
Complimentary three-month lnstacart+ membership.
No Annual Fee
0% introductory APR for 12 months on purchases
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; 16.74% - 24.74% variable thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Cash card is excellent for those who primarily focus on business spending. The card earns 2% cash-back on the first $25,000 spent in combined purchases each account anniversary year on gas and dining.

You can also earn 5% at office supply stores and on internet, cable, and phone services, which we’ll talk about in the later sections.

Ordinarily, this card earns cash-back, but if you also hold a card that earns Chase Ultimate Rewards and transfer points to that card, you can transfer points to airline partners, opening the gate to first and business class award travel.

If you have a card that earns Chase Ultimate Rewards points, you could potentially convert your 2x points on gas into a 4% return on spending.

In all, you can earn 2% cash-back or 2x points on up to $25,000 spent, which amounts to $500 cash-back or 50,000 Ultimate Rewards points.

The 2 Best Cards for Cellular Phone, Internet, Cable, and Other Telecommunications

Telecommunications spending makes up a large portion of business spending, and missing out on extra points or cash-back translates directly to leaving money on the table. A recurring bill of a few hundred dollars per month can earn tens of thousands of points every year.

Ink Business Cash Card: 5% Cash-Back

Without a doubt, the best card to get the best return on your spending here is the Ink Business Cash card. This card earns 5% cash-back on the first $25,000 spent in combined purchases each account anniversary year at office supply stores and on internet, cable, and phone services.

If you have a card that earns Chase Ultimate Rewards points, such as the Chase Sapphire Preferred card, you can effectively convert your 5% cash-back to 5x Ultimate Rewards points, which is worth approximately 10 cents per $1, according to our points and miles valuations. This return is incredible for office spending, which is why it is our top winner.

Hot Tip: There are numerous other aspects of this credit card. Check out the valuable benefits of the Ink Business Cash card.

Ink Business Preferred Card: 3x Points

The Ink Business Preferred card is similarly an excellent option. It earns 3x points on the first $150,000 spent in combined purchases in these categories each account anniversary year:

Internet, cable, and phone services
Travel
Shipping purchases
Advertising purchases with social media sites and search engines

Your 3x points earnings are equal to around 5.7 to 6 cents per $1 when you take into account our points valuations.

You might want to use the Ink Business Preferred card instead of the Ink Business Cash card if you’ve already maxed out the 5% cash-back from the Ink Business Cash card or you want the cell phone protection and are willing to forgo a few points to have it.

Bottom Line: If you don’t have a business, check out these personal credit cards for cable, internet, and phone purchases.

The 2 Best Cards for Entertainment

Needless to say, entertainment is a huge (and often necessary) expense in life. Things like event tickets, amusement parks, movie theaters, bowling alleys, and even zoos make up a large percentage of discretionary spending.

As always, you should maximize the value you get from spending, which is easier with the top credit cards for the entertainment bonus category.

U.S. Bank Cash+^® Visa Signature^® Card: 5% Cash-Back

U.S. Bank Cash+^® Visa Signature^® Card

U.P. Rating

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+^® Visa Signature^® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

Welcome OfferEarn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200

Annual Fee

APR

0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The U.S. Bank Cash+^® Visa Signature^® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros & Cons

Pros

5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations

Cons

Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center

Read Full Review

Card Highlights

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
No Annual Fee
0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.74% - 27.99%
Terms and conditions apply.

Financial Snapshot

APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).
Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card earns 5% cash-back on 2 quarterly categories you can choose, including movie theaters and streaming services, up to $2,000 per quarter.

If you max out the $2,000 per quarter on qualifying entertainment spending, you can earn $400 per year on your $8,000 spent.

The card also earns 2% cash-back on your choice of 1 everyday category, like gas stations or grocery stores, plus 1% on all other eligible net purchases.

Capital One Savor Cash Rewards Credit Card: 3% to 8% Cash-Back

Capital One Savor Cash Rewards Credit Card

U.P. Rating

The Capital One Savor card is a great no-annual fee card for those who regularly spend on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).

Capital One Savor Cash Rewards Credit Card

Welcome OfferEarn $200 Cash Back after you spend $500 on purchases within 3 months from account opening.
$200

Annual Fee

APR

Purchases: 0% intro on purchases for 12 months; 18.49% - 28.49% variable thereafter

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Capital One Savor card is a phenomenal option when it comes to no-annual-fee cash-back credit cards. With popular bonus categories like dining, grocery stores (excluding superstores like Walmart and Target), entertainment, and popular streaming services, and the ability to earn 3% cash-back on these purchases, it is easy to see why those who use the card can earn some serious cash-back throughout the year.

The card also allows you to take your rewards and experiences even further by offering access to Capital One Travel, Capital One Dining, and Capital One Entertainment.

Pros & Cons

Pros

8% cash back on Capital One Entertainment purchases
5% cash-back on hotels, rental cars, and vacation rentals booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply.
3% cash-back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target)

Cons

Rewards are purely cash-back, so there is no option for miles transfers to transfer partners for redemptions

Read Full Review

Card Highlights

Earn a one-time $200 cash bonus once you spend $500 on purchases within the first 3 months from account opening
$0 annual fee and no foreign transaction fees
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Earn 8% cash back on Capital One Entertainment purchases
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
0% intro APR on purchases and balance transfers for 12 months; 18.49% – 28.49% variable APR after that; balance transfer fee applies
Top rated mobile app

Financial Snapshot

APR: Purchases: 0% intro on purchases for 12 months; 18.49% - 28.49% variable thereafter
Foreign Transaction Fees: None

The Capital One Savor cardInformation collected independently. Not reviewed by Capital One. earns an unlimited 3% cash-back on dining, entertainment, popular streaming services, and grocery stores and 8% cash-back on Capital One Entertainment purchases.

According to Capital One, eligible entertainment purchases can be movies, plays, concerts, sporting events, tourist attractions, theme parks, aquariums, zoos, dance clubs, pool halls, or bowling alleys.

A broad definition of what counts as entertainment is great, as this can greatly increase your chances of getting 3% cash-back.

The 3 Best Cards for Streaming Services

Amex Blue Cash Preferred Card: 6% Back

The Amex Blue Cash Preferred card earns 6% cash-back in Blue Cash Reward Dollars for every $1 you spend directly on some U.S. streaming subscriptions. Amex also offers a Disney streaming statement credit on this cash-back card to expand to more services. Cardholders can now get up to $10 back per month on U.S. subscriptions for Disney+, Hulu, or ESPN+ for up to $120 back per year, an increase from the previous $7 monthly benefit that required spending at least $9.99 monthly. Enrollment is required.

Chase Sapphire Preferred Card: 3x Points

The Chase Sapphire Preferred card offers 3x Ultimate Rewards points on some streaming services, including as Apple Music, Netflix, Spotify, and YouTube TV. And cardholders get a complimentary Apple TV subscription for 1 year when activated by December 31, 2026.

Amex Platinum Card: Up to $300 in Annual Credits

The Amex Platinum card offers just 1 point per $1 spent on streaming services. However, the card offers up to $300 annually (up to $25 monthly) in statement credits for qualifying digital entertainment services, including Disney+, The Disney+ Bundle, ESPN+, Hulu, The New York Times, Peacock, The Wall Street Journal, Paramount+, YouTube Premium, and YouTube TV. Enrollment is required for this benefit.

Cardholders also get up to $12.95 (plus tax) per month as a statement credit for a Walmart+ membership, which includes a Paramount+ Essential plan.

The 3 Best Cards for Gym Memberships

Gym memberships are a good chunk of many people’s spending habits. With recurring monthly or yearly transactions, it’s in your best interest to squeeze value where you can, and gym memberships are no exception.

U.S. Bank Cash+ Visa Signature Card: 5% Cash-Back

U.S. Bank Cash+^® Visa Signature^® Card

U.P. Rating

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+^® Visa Signature^® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

Welcome OfferEarn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200

Annual Fee

APR

0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The U.S. Bank Cash+^® Visa Signature^® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros & Cons

Pros

5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations

Cons

Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center

Read Full Review

Card Highlights

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
No Annual Fee
0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.74% - 27.99%
Terms and conditions apply.

Financial Snapshot

APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).
Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card allows you to earn 5% cash-back on 2 categories chosen from a preset list, including gyms and fitness centers, for up to $2,000 per quarter.

World of Hyatt Card: 2x Points

The other card that presents an excellent way to earn points with gym memberships is the World of Hyatt card.

Among other benefits, you earn 2 bonus points per $1 spent on fitness club and gym memberships (and at restaurants, on airline tickets purchased directly from the airlines, and on local transit and commuting). Seeing as how World of Hyatt points are among the most valuable hotel currency out there, your gym spending on the World of Hyatt card is equivalent to a 3.2% return on spending.

Also, you earn a free night each year in any Category 1-4 Hyatt hotel on each cardmember anniversary, automatic World of Hyatt elite status, and much more. There are loads of benefits you get just by holding the card.

Citi Strata℠ Card: 3x Points

Terms Apply / Rates & Fees

Citi Strata℠ Card

U.P. Rating

Apply Now(at our partner's secure site)

Citi Strata℠ Card

Welcome OfferEarn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
20,000 Points

UP's Offer Valuation*:
$320

Annual Fee

APR

0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.49% to 28.49%.

Credit Recommended

Good to Excellent

Why We Like This Card

The Citi Strata card offers a fresh way to earn Citi ThankYou Points with a $0 annual fee, allowing you to maximize your spend at gas stations, supermarkets, and more.

Pros & Cons

Pros

5x points on hotels, car rentals, and attractions booked on CitiTravel.com
3x points at supermarkets, select transit, gas and EV charging stations, and an eligible self-select category of your choice (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salon or pet supply stores)
2x points at restaurants

Cons

Doesn’t offer the best transfer ratio to Citi’s airline and hotel partners
Charges foreign transaction fees

Read Full Review

Card Highlights

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% – 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases.
No Annual Fee

Financial Snapshot

APR: 0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.49% to 28.49%.
Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The Citi Strata card features a self-select category that earns 3x points, and fitness clubs is one of the options cardholders can choose. You can change your selection once a quarter. The other choices are pet supply stores, select streaming services, live entertainment, and cosmetic stores, barber shops and hair salons.

The potential to earn lots of ThankYou Points doesn’t end with the self-select category. The Citi Strata card also earns 5x points on hotels, car rentals, and attractions booked through Citi Travel; 3x points at supermarkets, on select transit, gas, and EV charging stations; and 2x points at restaurants.

The Citi Strata card earns valuable ThankYou Points like the Citi Strata Premier card and Citi Strata Elite card. The only downside is the transfer ratio to Citi’s hotel and airline partners is lower than what those premium cards receive.

However, if you have a premium ThankYou Points-earning card and the Citi Strata card, you will have access to the best transfer ratio available. Not interested in applying for 2 credit cards? No problem. You can still find great opportunities to transfer ThankYou Points earned on the Citi Strata card for fantastic travel bookings.

The 2 Best Cards for Office Supplies

Office supplies often constitute a big piece of overall business spending. Luckily, optimizing your office supplies spending is easy, especially if you’re looking for business credit cards.

Ink Business Cash Card: 5% Cash-Back

The best way to earn points on office supplies is the Ink Business Cash card. It offers 5% cash-back on the first $25,000 in combined purchases at office supplies stores (and on internet, cable, and phone services).

If you transfer your cash-back to a card that earns Chase Ultimate Rewards, you can nearly double your return on spending, upping your earnings to a 10% return.

Plus, if you use Instacart+ to get your office supplies delivered or would like to try it, know that the Ink Business Cash card provides a 3-month complimentary Instacart+ membership and a $20-a-month Instacart credit (as long as you have an active Instacart+ membership). You must use your Ink Business Cash card for your purchase to receive the credit. This benefit ends December 31, 2027.

Also, you earn 2% back on up to $25,000 in combined purchases on dining and gas, followed by 1% back on other purchases.

Huntington Voice Business Credit Card℠: 4% Cash-Back

The Huntington Voice Business card is an unexpected pick that not a lot of people know about. This card earns 4% cash-back on up to $7,000 in purchases per quarter in one of 10 categories, including office supplies.

If you’ve exhausted the 5% cash-back from the Ink Business Cash card, the Huntington Voice Business card is yet another great way to get rewarded for office supplies spending.

The 3 Best Cards for Rotating Categories

Most credit cards don’t have spending categories that change over time. Though they have bonus earning structures on specific categories, the categories in which you earn bonus points themselves rarely change.

However, some credit cards have bonus categories that change, typically every quarter. These categories typically have very appealing incentive structures.

Citi Strata Card: 3x points

Spending habits can change depending on the time of year or priorities, and the Citi Strata card can adapt with you. Every quarter, cardholders can choose one of the following self-select categories to earn 3x points in:

Fitness clubs (as mentioned above)
Cosmetic stores, barber shops and hair salons
Select streaming services
Pet supply stores
Live entertainment

Pet supply stores and cosmetic stores, barber shops and hair salons stand out the most here as it is extremely rare to find elevated earnings for them with a credit card.

U.S. Bank Cash+ Signature Card: 5% Cash-Back

U.S. Bank Cash+^® Visa Signature^® Card

U.P. Rating

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+^® Visa Signature^® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

Welcome OfferEarn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200

Annual Fee

APR

0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The U.S. Bank Cash+^® Visa Signature^® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros & Cons

Pros

5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations

Cons

Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
Cash-back for travel expenses must be made through the Rewards Center

Read Full Review

Card Highlights

$200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
1% cash back on all other eligible purchases
No Annual Fee
0% Intro APR on purchases and balance transfers for the first 15 billing cycles, then a variable APR of 17.74% - 27.99%
Terms and conditions apply.

Financial Snapshot

APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 17.74% - 27.99% (Variable).
Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

The U.S. Bank Cash+ Signature card earns 5% cash-back on combined purchases in 2 categories that you choose for up to $2,000 every quarter. These categories are:

Cell phone providers
Department stores and select clothing stores
Electronics stores
Fast food
Furniture stores
Ground transportation
Gyms/fitness centers
Home utilities
Movie theaters
Sporting goods stores
TV, internet, and streaming services

Discover it^® Cash Back: 5% Cash-Back

Discover it^® Cash Back Card

U.P. Rating

The Discover Cash Back card is an excellent first credit card to earn cash-back rewards with no annual fee.

Apply Now(at Discover's secure site)

Discover it^® Cash Back Card

The Discover Cash Back card is an excellent first credit card to earn cash-back rewards with no annual fee.

Annual Fee

APR

0% Intro APR on purchases and balance transfers for 15 months from date of account opening, then a variable APR of 17.49% to 26.49%.

Why We Like This Card

The Discover Cash Back card is a great option for those looking for a $0 annual fee credit card to help build their credit history, while earning cash-back rewards on their daily purchases.

Pros & Cons

Pros

Earn 5% back on rotating quarterly bonus categories like grocery stores, restaurants, and gas stations, on up to $1,500 in spend each quarter
Earn 5% back on rental car, hotel, vacation rental, and activity bookings made through Capital One Travel
Earn 5% back on Capital One Entertainment purchases

Cons

Quarterly spending cap on rotating 5% rewards
Not very rewarding for purchases outside of the rotating 5% category, Capital One Travel, and Capital One Entertainment

Read Full Review

Card Highlights

Intro Offer: Get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year.
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate.
Plus, earn unlimited 1% cash back on all other purchases – automatically.
Redeem cash back in any amount, any time. Rewards never expire.
Use your rewards at Amazon.com checkout.
No annual fee.
Discover is accepted nationwide by 99% of the places that take credit cards.

Financial Snapshot

APR: 0% Intro APR on purchases and balance transfers for 15 months from date of account opening, then a variable APR of 17.49% to 26.49%.
Foreign Transaction Fees: None

The Discover Cash Back card earns quarterly 5% bonus categories on up to $1,500 every quarter. Some of these have historically included:

Amazon.com, Target, and Walmart.com
Gas stations
Grocery stores
Home improvement stores
Restaurants and PayPal
Uber and Lyft
Wholesale clubs

The 5 Best Cards for Miscellaneous Spending

If all else fails or you have odd spending categories, don’t fret. There are a ton of ways to get rewarded for ordinary, nonbonus spending.

The Blue Business^® Plus Credit Card from American Express: 2x Points

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Apply Now(at Amex's secure site)

The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome OfferEarn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points

UP's Offer Valuation*:
Up to   $330

Annual Fee

No annual fee

APR

16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost

Cons

No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status

Read Full Review

Card Highlights

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 28.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.

Financial Snapshot

APR: 16.74% - 28.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

The Amex Blue Business Plus card is undoubtedly the best business rewards credit card for simple, nonbonus spending.

This card earns 2x Membership Rewards points on all purchases for the first $50,000 spent each year, then 1x after. This is equivalent to an approximate 4.2% to 4.5% return on spending for the first $50,000 spent each year.

This earning structure allows you to earn lots of points in a simplified way across the board.

You can redeem your Membership Rewards points for flights, which is just one of the valuable benefits of the Amex Blue Business Plus card.

Capital One Venture X Rewards Credit Card: 2x Miles

Capital One Venture X Rewards Credit Card

U.P. Rating

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome OfferEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Offer Valuation*:
$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Pros & Cons

Pros

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
2x miles per $1 on all other purchases

Cons

$395 annual fee
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck^®
Top rated mobile app

Financial Snapshot

APR: Purchases: 19.49% - 28.49% (Variable)
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture X card offers 2x miles on all purchases with no caps, making it one of the best cards in the world for miscellaneous purchases.

Best of all, the miles you earn are transferable to airline and hotel partners, mostly at a 1:1 ratio. Based on this, your return on spending would be around 3.6% for miscellaneous purchases.

Other notable benefits include a $300 annual travel credit for bookings made through Capital One Travel, access to airport lounges, including participating Priority Pass™ lounges (with enrollment) and Capital One Lounge and Landing locations, and the ability to earn up to 10x miles on paid bookings through Capital One Travel.

Chase Freedom Unlimited^®: 1.5% Cash-Back

Terms Apply / Rates & Fees

Chase Freedom Unlimited^®

U.P. Rating

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Apply Now(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome OfferEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
$200

UP's Offer Valuation*:
$200

Annual Fee

APR

0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.

Credit Recommended

Good to Excellent

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros & Cons

Pros

5% back on travel purchased through Chase Travel℠
3% back on dining and drugstore purchases
1.5% back on all other purchases

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
No minimum to redeem for cash back. You can use points to redeem for cash through an account statement credit or an electronic deposit into an eligible Chase account located in the United States!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC

Financial Snapshot

APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.24% - 27.74%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card offers a solid 1.5% cash-back on purchases outside of its bonus categories.

The rewards you earn are cash-back, but holding another Chase card that offers transfers to Ultimate Rewards, such as the Chase Sapphire Preferred card, allows you to consolidate your rewards and redeem them as points. This effectively generates around a 3% return on overall spending.

Ink Business Unlimited^® Credit Card: 1.5% Cash-Back

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Ink Business Unlimited^® Credit Card

U.P. Rating

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Apply Now(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome OfferEarn $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening.
$750 $1,000

UP's Offer Valuation*:
$1,000

Annual Fee

APR

0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Credit Recommended

Good to Excellent

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Pros & Cons

Pros

1.5% cash-back on all purchases
No annual fee
0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.

Cons

3% foreign transaction fee

Read Full Review

Card Highlights

Earn ~~$750~~ $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
No Annual Fee
Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
0% introductory APR for 12 months on purchases
Earn 5% total cash back on Lyft rides through 9/30/27.
Member FDIC

Financial Snapshot

APR: 0% intro APR on purchases for 12 months; variable 16.74% - 24.74% thereafter.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

Chase Ultimate Rewards

The Ink Business Unlimited card is a business credit card used for nonbonus spending. It pays a fixed rate of 1.5% (or 1.5x points when transfering cash-back to an Ultimate Rewards earning card) on all business purchases with no limits.

Earning 1.5x points by pairing with a card that earns Ultimate Rewards points boosts the return on spending to 2.85%.

Amex Blue Cash Everyday Card: 3% Cash-Back

SPECIAL OFFER

Terms Apply / Rates & Fees

Blue Cash Everyday^® Card from American Express

U.P. Rating

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Everyday^® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Welcome OfferYou may be eligible for as high as $200 cash back after spending $2,000 in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply.
As High As $200 Cash Back. Find Out Your Offer.

UP's Offer Valuation*:
As High As $200

Annual Fee

APR

19.49%-28.49% Variable,0% on purchases for 15 months

Credit Recommended

Good to Excellent

Why We Like This Card

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday^® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros & Cons

Pros

3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.

Cons

Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Read Full Review

Card Highlights

Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
No Annual Fee.
Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday^® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
Terms Apply.

Financial Snapshot

APR: 19.49%-28.49% Variable,0% on purchases for 15 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Cash Everyday card might be overlooked by some, but it shouldn’t be, since it earns 3% cash-back at U.S. online retailers on up to $6,000 in purchases each year. This is a really broad category that can include lots of otherwise nonbonus spending categories.

Apparel, footwear, and accessories stores
Auto and home supply stores
Book stores
Computer and electronics stores
Department stores
Drugstores
Furniture stores (like Wayfair.com)
Major retailers (like Amazon.com)
Personal and household care
Pet stores (like Chewy.com)
Sporting goods stores
Toy and hobby stores

Additionally, this card also earns 3% cash-back at U.S. gas stations (up to $6,000 in purchases yearly) and U.S. supermarkets (up to $6,000 in purchases yearly).

Hot Tip: Trying to compare the Chase business credit cards out there? Check out our detailed guide that breaks everything down!

Final Thoughts

There are so many different credit cards out there that it’s nearly impossible to keep track of which cards are best for specific spending categories.

We’ve provided an outstanding resource to help figure out the best credit cards depending on your specific spending categories. Try to make a habit of earning at least 2 points per $1 spent on all your spending.

There is a ton of value in strategically applying for the cards where you have the best bonus categories in alignment with your exact spending habits.

Card	Welcome Offer and Annual Fee	Best Bonus Category
American Express^® Gold Card	As High As 100,000 Points. Find Out Your Offer.American Express^® Gold CardYou may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Annual fee of $325 (rates & fees)	Restaurants: 4x points (up to $50,000 per year) U.S. supermarkets: 4x points (up to $25,000 per year)
Chase Sapphire Reserve^®	100,000 pointsChase Sapphire Reserve^®Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. Annual fee of $795	Dining: 3x points Flights booked directly: 4x Travel purchases via Chase Travel: 8x
Citi Strata Elite℠ Card	75,000 PointsCiti Strata Elite℠ CardEarn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening. Annual fee of $595	Dining: up to 6x points at restaurants during Citi Nights
Chase Sapphire Preferred^® Card	75,000 pointsChase Sapphire Preferred^® CardEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Annual fee of $95	Gas and EV charging: 3x points Vacation rentals: 3x Online grocery orders: 3x
Citi Strata Premier^® Card	60,000 PointsCiti Strata Premier^® CardEarn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. Annual fee of $95	Supermarkets: 3x points Hotels: 3x points Gas stations: 3x points EV charging stations: 3x points
Platinum Card^® from American Express	As High as 175,000 Points. Find Out Your Offer.Platinum Card^® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary, and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount — all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted. Annual fee of $895 (rates & fees)	Flights booked directly with airlines or with AmexTravel.com: 5x points (up to $500,000 per year) Prepaid hotels booked with AmexTravel.com: 5x points
The Business Platinum Card^® from American Express	NEW OFFERAs High As 300,000 Points. Find Out Your Offer. The Business Platinum Card^® from American ExpressAs High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Annual fee of $895 (rates & fees)	Flights, prepaid hotels, and short-term rentals booked at AmexTravel.com: 5x points Prepaid hotels booked with AmexTravel.com: 5x points
The World of Hyatt Credit Card	Up to 60,000 pointsThe World of Hyatt Credit CardEarn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Annual fee of $95	Hyatt hotels: up to 9x points Gym memberships: 2x points
Ink Business Preferred^® Credit Card	NEW OFFER100,000 pointsInk Business Preferred^® Credit CardEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Annual fee of $95	Travel: 3x points Certain business categories: 3x points
Ink Business Cash^® Credit Card	LIMITED TIME OFFER~~$750~~ $1,000Ink Business Cash^® Credit CardEarn ~~$750~~ $1,000 when you spend $8,000 on purchases in the first four months after account opening. Annual fee of $0	Office supply stores and on internet, cable and phone services: 5% cash-back (up to $25,000) Dining and gas: 2% cash-back (up to $25,000)
Citi Strata℠ Card	20,000 PointsCiti Strata℠ CardEarn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening. Annual fee of $0	Gym memberships (self-select category): 3x points Rotating categories (self-select category): 3x points

Bonus Categories: Straightforward or Not?

The 11 Best Cards Across All Bonus Categories: Summary

The 3 Best Cards for Dining

American Express® Gold Card: 4x Points

Apply With Confidence

Know if you're approved with no credit score impact

Chase Sapphire Reserve®: 3x Points

Citi Strata Elite℠ Card: Up to 6x Points

The 3 Best Cards for Supermarkets

Amex Gold Card: 4x Points

Citi Strata Premier® Card: 3x Points

Blue Cash Preferred® Card from American Express: 6% Cash-Back

Apply With Confidence

Know if you're approved with no credit score impact

The 3 Best Cards for Airfare

Platinum Card® from American Express: 5x Points

Apply With Confidence

Know if you're approved with no credit score impact

Chase Sapphire Reserve Card: 4x Points

Citi Strata Premier Card: 3x Points

The 5 Best Cards for Hotels

The Business Platinum Card® from American Express: 5x Points

The World of Hyatt Credit Card: Up to 9x Points

Hilton Honors American Express Aspire Card: 14x Points

Apply With Confidence

Know if you're approved with no credit score impact

Marriott Bonvoy Business® American Express® Card: 6x Points

Citi Strata Premier Card: 3x Points

The 3 Best Cards for Vacation Rentals

Chase Sapphire Preferred Card: 3x Points

One Key+™ Card: 5% Earnings

Wells Fargo Autograph℠ Card: 3x Points

The 2 Best Cards for General Travel Purchases

Ink Business Preferred® Credit Card: 3x Points

Chase Sapphire Reserve Card: 8x Points via Chase Travel

The 5 Best Cards for Gas Purchases

Chase Sapphire Preferred Card: 3x Points

Costco Anywhere Visa® Card by Citi

Citi Strata Premier Card: 3x Points

Amex Blue Cash Preferred Card: 3% Cash-Back

Ink Business Cash® Credit Card: 2% Cash-Back

The 2 Best Cards for Cellular Phone, Internet, Cable, and Other Telecommunications

Ink Business Cash Card: 5% Cash-Back

Ink Business Preferred Card: 3x Points

The 2 Best Cards for Entertainment

U.S. Bank Cash+® Visa Signature® Card: 5% Cash-Back

Capital One Savor Cash Rewards Credit Card: 3% to 8% Cash-Back

The 3 Best Cards for Streaming Services

Amex Blue Cash Preferred Card: 6% Back

Chase Sapphire Preferred Card: 3x Points

Amex Platinum Card: Up to $300 in Annual Credits

The 3 Best Cards for Gym Memberships

U.S. Bank Cash+ Visa Signature Card: 5% Cash-Back

World of Hyatt Card: 2x Points

Citi Strata℠ Card: 3x Points

The 2 Best Cards for Office Supplies

Ink Business Cash Card: 5% Cash-Back

Huntington Voice Business Credit Card℠: 4% Cash-Back

The 3 Best Cards for Rotating Categories

Citi Strata Card: 3x points

U.S. Bank Cash+ Signature Card: 5% Cash-Back

Discover it® Cash Back: 5% Cash-Back

The 5 Best Cards for Miscellaneous Spending

The Blue Business® Plus Credit Card from American Express: 2x Points

Capital One Venture X Rewards Credit Card: 2x Miles

Chase Freedom Unlimited®: 1.5% Cash-Back

Ink Business Unlimited® Credit Card: 1.5% Cash-Back

Amex Blue Cash Everyday Card: 3% Cash-Back

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Final Thoughts

American Express^® Gold Card: 4x Points

Chase Sapphire Reserve^®: 3x Points

Citi Strata Premier^® Card: 3x Points

Blue Cash Preferred^® Card from American Express: 6% Cash-Back

Platinum Card^® from American Express: 5x Points

The Business Platinum Card^® from American Express: 5x Points

Marriott Bonvoy Business^® American Express^® Card: 6x Points

Ink Business Preferred^® Credit Card: 3x Points

Costco Anywhere Visa^® Card by Citi

Ink Business Cash^® Credit Card: 2% Cash-Back

U.S. Bank Cash+^® Visa Signature^® Card: 5% Cash-Back

Discover it^® Cash Back: 5% Cash-Back

The Blue Business^® Plus Credit Card from American Express: 2x Points

Chase Freedom Unlimited^®: 1.5% Cash-Back

Ink Business Unlimited^® Credit Card: 1.5% Cash-Back